Patents Assigned to N/A
  • Publication number: 20240086978
    Abstract: An approach for establishing and managing network security linkages is disclosed. The linkages may be used to facilitate management of accounts, goals, or resources of one or more entities, or to provide an integrated view of the circumstances of, for example, family members or other interrelated persons. A person receiving assistance with the management of one or more accounts need not disclose authentication credentials to persons helping manage the accounts, enhancing security. Members may view members and access accounts administered by separate computing systems without needing credentials for each member, account, and/or computing system. The multiple accounts (which may be held at multiple institutions) need not be accessed individually by each member of the network security linkage, saving time and computing resources of users.
    Type: Application
    Filed: November 20, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Balin Kina Brandt, Laura Fisher, Marie Jeanette Floyd, Katherine J. McGee, Teresa Lynn Rench, Sruthi Vangala
  • Publication number: 20240086380
    Abstract: A method for providing an integrated data quality capability for distributed data repositories is disclosed. The method includes identifying, from a data stream, an indication that a job corresponding to a source data set has been started, the job relating to a data ingestion job and a data transformation job; triggering a data reconciliation action based on the identified indication; persisting, in a repository, a first result of the data reconciliation action; initiating a data quality action based on the first result; persisting, in the repository, a second result of the data quality action; initiating a scan action based on the second result; persisting, in the repository, a third result of the scan action; and generating a graphical element and a report based on an analysis of the first result, the second result, and the third result, the graphical element is displayable via a graphical user interface.
    Type: Application
    Filed: October 21, 2022
    Publication date: March 14, 2024
    Applicant: JPMorgan Chase Bank, N.A.
    Inventors: Sreenivas VITTAL, Raghuram SAMPATHKRISHNA
  • Publication number: 20240086256
    Abstract: Various methods, apparatuses/systems, and media for automated subscription to cloud-based services are disclosed. A processor establishes a communication link between a cloud environment and a user interface via a communication interface, wherein cloud-based services are hosted in the cloud environment.
    Type: Application
    Filed: September 12, 2023
    Publication date: March 14, 2024
    Applicant: JPMorgan Chase Bank, N.A.
    Inventor: Mahendiran SUNDARARAJAN
  • Publication number: 20240086939
    Abstract: A computing system includes one or more processing circuits configured to identify an anomaly associated with an electronic transaction, wherein the anomaly is identified based on a profile or pattern of a user. The processing circuits further configured to transmit data corresponding to the anomaly to a user interface. The processing circuits further configured to receive, using the user interface, an indication that one or more risks associated with the anomaly are acceptable. The processing circuits further configured to transmit, to the user interface, an indication of at least one rule violation and information for resolving the at least one rule violation. The processing circuits further configured to receive, from the user interface, a response setting an exception and update the profile of the user, wherein updating comprises changing a classification of the profile of the user based on profile data consistent with the electronic transaction.
    Type: Application
    Filed: November 17, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Kelley Chamberlain, David J. Dietrich, Valeria J. Gray-Lindsey, Michael Knorr, Robert L. Kosicki, Duane F. Lindquist, Michael Mangieri, Maria V. Marmolejos, Jacqueline A. Monteferrario, Yonesy F. Nunez, Leonard J. Valentino
  • Publication number: 20240082773
    Abstract: An apparatus and method are provided for a cone air filter for a closed intake system of an internal combustion engine. The cone air filter is comprised of a cone-shaped filter medium, retained between a base and a cap, that is fabricated to remove contaminants and particulate matter from an intake airstream. The base is comprised of a flange that couples with an air intake duct of the internal combustion engine. A shell receiver is incorporated into the base and receives a rigid exterior shell, such that the exterior shell surrounds the cone air filter and directs the intake airstream therein. A cap is disposed on an apex portion of the cone air filter and is configured to direct the intake airstream around the apex portion and into the cone-shaped filter medium.
    Type: Application
    Filed: November 20, 2023
    Publication date: March 14, 2024
    Applicant: K&N Engineering, Inc.
    Inventors: Steve Williams, Jere James Wall
  • Publication number: 20240089261
    Abstract: Systems, methods, and apparatuses for a secure digital controls portal enabling enhanced control over account functionalities and usage of secure information provided to third party systems and devices maintained by various federated and non-federated provider computing systems of various product and service providers. The secure digital controls portal can interface with various provider computing systems via custom APIs protocols. The API protocols may utilize APIs that are particular to the software and hardware operated by the various provider computing systems. The secure digital controls portal can also standardize information from the various provider computing systems. The secure digital controls portal can be a central portal accessible via a client application running on a user device that enhances one-stop switch control and security of a user's digital footprint.
    Type: Application
    Filed: November 13, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Vladimir Charnauski, David Mochizuki
  • Publication number: 20240086931
    Abstract: A computer system includes a token repository configured to store payment tokens, and a server system. The server system includes a processor and instructions stored in non-transitory machine-readable media, the instructions configured to cause the server system to receive a request to provision a payment token based on a financial product, wherein the request includes information related to the financial product, provision a payment token based on the token request, including authenticating the financial product based on the financial product information and generating the payment token upon authenticating the financial product, wherein the payment token is useable to make a payment via the financial product, and store the payment token in the token repository.
    Type: Application
    Filed: November 20, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Azita Asefi, Jorge Michirefe, Al Hecht, Steve Puffer, Peter Ho
  • Publication number: 20240086435
    Abstract: A method for performing differential routing based on message content. The method includes receiving, from a user device, a message inquiry; identifying and extracting one or more keywords from the message inquiry; determining, for each of the one or more keywords, a corresponding tag type; predicting a conversation length based on the determined tag type for each of the one or more keywords; determining whether the message inquiry is amenable to being serviced by an automated service; and routing the message inquiry based on the determining whether the message inquiry is amenable to being serviced by the automated service.
    Type: Application
    Filed: May 5, 2023
    Publication date: March 14, 2024
    Applicant: JPMorgan Chase Bank, N.A.
    Inventors: Vineeth RAVI, Jessica STADDON, Christopher STANG, Sam FAYE
  • Publication number: 20240086909
    Abstract: Example implementations include a method for using tokens between two entities including a client device and a server, by generating, by a first one-way function of the client device, a first intermediate value from a transaction count corresponding to a number of transactions involving an original data, the first intermediate value being unique to a first verification transaction at a server, generating, by a second one-way function of the client device, a second intermediate value from the first intermediate value, the second intermediate value being unique to a second verification transaction at the server, sending, by the client device, a first token based on the first intermediate value to the server to execute the first verification transaction, and sending, by the client device, a second token based on the second intermediate value to the server to execute the second verification transaction.
    Type: Application
    Filed: November 17, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Phillip H. Griffin, Jeffrey J. Stapleton
  • Publication number: 20240086887
    Abstract: A method comprises receiving, by a provider institution computing system via a network, a cash level indicator from each of a plurality of customer payment systems, the customer payment systems receiving cash from customers of a plurality of stores. The method further comprises receiving, by the provider institution computing system via the network, a cash request from a user device of a user. The provider institution computing system selects one of the plurality of customer payment systems based on the cash level indicator and location data of a plurality of delivery agent devices of delivery agents. The method further comprises sending, by the provider institution computing system to a selected delivery agent device, a message comprising location data of the selected customer payment system, the selected delivery agent device being one of the plurality of delivery agent devices.
    Type: Application
    Filed: November 20, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Darren M. Goetz, Ashish B. Kurani, JoAnn Mar, Dennis E. Montenegro, Joseph Ng, Damodar Raval, Lisa Schur
  • Publication number: 20240086876
    Abstract: Systems, methods, and computer-readable storage media of private network issuance of digital currency. One method includes receiving an issuance request associated with a first denomination of digital currency. The method further includes issuing a first digital currency token, wherein issuing is an off-chain exchange transferring the first denomination outside a digital currency ledger.
    Type: Application
    Filed: November 17, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Nikolai Stroke, Duc M. Trinh
  • Publication number: 20240086900
    Abstract: A method performed by a computing system includes determining that the mobile device is at the merchant location based on a comparison of a location of a mobile device of a user with a merchant location of a merchant, determining that the merchant participates in a rewards promotion, receiving a transaction request associated with a rewards account of the user, activating the rewards promotion based on the determination that the mobile device is at the merchant location and the determination that the merchant participates in the rewards promotion, determining a value of a rewards balance based on the activated rewards promotion, and determining that the value of the rewards balance based on the activated rewards promotion is sufficient to complete the transaction request.
    Type: Application
    Filed: November 13, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventors: Ashish B. Kurani, Steven E. Puffer
  • Publication number: 20240084619
    Abstract: The present disclosure concerns a half-cylinder type lock, typically a keyless electrical lock, usable in communication cabinets or other installations requiring secured access control. The lock mechanism does not have elements protruding out of the lock housing to prevent possibility of tampering.
    Type: Application
    Filed: April 13, 2022
    Publication date: March 14, 2024
    Applicant: KNOCK N'LOCK LTD.
    Inventor: Ilan GOLDMAN
  • Publication number: 20240089196
    Abstract: A method for providing an automated routing layer to facilitate end-to-end testing is disclosed. The method includes detecting, in real-time, electronic messages from a data stream based on a predetermined configuration; intercepting the detected electronic messages from the data stream; extracting message data from the intercepted electronic messages, the message data including payload information that corresponds to the electronic messages; determining, in real-time, downstream destination paths for each of the intercepted electronic messages based on the extracted message data and the predetermined configuration; and automatically routing, in real-time, each of the intercepted electronic messages based on the determined downstream destination paths.
    Type: Application
    Filed: October 26, 2022
    Publication date: March 14, 2024
    Applicant: JPMorgan Chase Bank, N.A.
    Inventors: Narayana Swamy THOTA, Sudeep SABNAVIS
  • Publication number: 20240089262
    Abstract: A system that aggregates client data and cyber indicators to authenticate a client is provided. The system receives a request to access a financial account of the client, and retrieves a client profile. The client profile includes an aggregation of data into a plurality of data indicators. An optimal number of data indicators is determined based on an initial threshold inquiry regarding the request, with the optimal number of data indicators being determined based on a phone requesting the access to the financial account. A risk score is generated based on a weighting for each of the plurality of data indicators included within the optimal number, with the weighting representing a confidence in the accuracy of each of those data indicators. Access to predetermined actions by the client is granted based on the risk score.
    Type: Application
    Filed: November 15, 2023
    Publication date: March 14, 2024
    Applicant: JPMorgan Chase Bank, N.A.
    Inventors: Jean-Francois LEGAULT, D.J. KNOEDLER, Neil GORIN, Kevin LISTON
  • Publication number: 20240086928
    Abstract: A method can include receiving first data corresponding to a transaction between a merchant and a customer; receiving second data captured at substantially the same time as the transaction and at a location corresponding to the transaction; generating a designation for the transaction based on a first match between the good identified in the first image and the identifying information and a second match between the depiction of the customer and a profile image of the customer; storing third data comprising at least one of the plurality of images and a unique identifier assigned to the transaction; and linking the second data to the third data; populating a claim with at least some of the second data and the third data according to a selection of a user interface element.
    Type: Application
    Filed: November 17, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventor: Garlapati Sreenivasa Reddy
  • Publication number: 20240086874
    Abstract: Embodiments include a method of performing math based currency (“MBC”) exchanges. One method includes receiving an exchange request from a merchant point-of-sale (POS) system and determining a merchant POS system accepts MBC payments. The method further includes exchanging, on a published blockchain, an amount of MBC equal to an amount to an MBC account of the merchant POS system and updating a pooled account database. The method further includes updating an overlay ledger to modify an MBC balance of the MBC credit card account held by the customer and broadcasting the exchange to a plurality of MBC verification nodes for verification.
    Type: Application
    Filed: November 14, 2023
    Publication date: March 14, 2024
    Applicant: Wells Fargo Bank, N.A.
    Inventor: Ashish B. Kurani
  • Patent number: 11925168
    Abstract: A milking system includes a milking device with a milking control, a milk line, and a sampling/analysis device. The milking control controls the milking based on said analysis. The sampling/analysis device includes a reagent carrier, including a tape with a first side with a reagent pad that detects the presence of a substance in the milk sample and a second side, a dosing device to provide a droplet of said sample onto the reagent pad, a source for emitting source radiation onto the reagent pad, and a sensor to detect response radiation emitted by the reagent pad, and to analyse the detected response radiation to indicate the presence or concentration of said substance. The first side faces away from the sensor during analysing by the sensor. By viewing “from below”, the observed reaction in the reagent is cleaner, and suffers less from artefacts, and the camera will stay cleaner.
    Type: Grant
    Filed: September 19, 2019
    Date of Patent: March 12, 2024
    Assignee: LELY PATENT N.V.
    Inventors: Peter Michael Gavin, Darby Anne McChesney, Abram Christiaan Knip
  • Patent number: 11928169
    Abstract: Various methods, apparatuses/systems, and media for implementing a functional documentation module are disclosed. A repository stores a list of URLs corresponding to one or more applications and a list independently executable programming languages for running an application. A receiver receives a request for creating a new URL. A processor causes a GUI to display selectable URLs from the list of URLs, selectable components from the list of independently executable programing languages, and a functional documentation; creates the new URL by selecting one or more desired URLs from the selectable URLs based on analyzing the functional documentation; independently tests only the created new URL for running the application without testing the selectable URLs and their underlying components; and updates the repository with the new URL based on a positive test result.
    Type: Grant
    Filed: March 30, 2020
    Date of Patent: March 12, 2024
    Assignee: JPMORGAN CHASE BANK, N.A.
    Inventors: Sudheendra Ayyalasomayajula, Raghuram Vudathu, David Christopher Carey, Rajat Tandon, Kelly Patrick Ernst, Michael Polise, Cameron Boucher
  • Patent number: 11928610
    Abstract: A method for training a probabilistic encoder-decoder having a latent space, the method including: extracting different types of medical data for a group of individuals; creating a data matrix X including the extracted medical data, wherein each row of the data matrix X includes data for one of the group of individuals; creating condition matrix C including features to define a clinical condition, wherein each row of the condition matrix C includes the condition data for one of the group of individuals; and training the encoder and the decoder to learn the latent space by minimizing the reconstruction loss and using a regularization effect to force clinically similar inputs to be close together in the latent space.
    Type: Grant
    Filed: November 11, 2019
    Date of Patent: March 12, 2024
    Assignee: Koninklijke Philips N.V.
    Inventors: Gajendra Jung Katuwal, Bryan Conroy, Jack He, Jonathan Rubin